To take advantage of the American Express rental truck insurance, you need to pay for the rental with your Amex credit card as well as decline the rental agency's insurance offer. If you do that, you'll be covered for up to $75,000 in collision damage and theft for vehicles rented with the Amex Platinum credit card or American Express rewards points.
Keep in mind that box trucks, trucks that weigh 10,000+ lbs., or modified vehicles (except for handicapped accessibility) aren't covered.
To claim a covered incident, call 1-800-338-1670 within 30 days of it happening.
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